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Highlights for 2026

While not all change is good, for the most part, the changes made to the 2026 Major Medical plans from Clearwater Benefits have shown to be a better fit for most of the clients we've already met with.

Greater stability

While many carriers across the nation are seeing between 20-40% increases, Clearwater's plans increased by under 10% for 2026.

Access to $0 Care

You'll still have access to Tier 1 coverage. While not guaranteed, allowing Clearwater to find a provider for an imaging, surgery or procedure could result in your deductible being waived. (Tier 1 not available on the HSA 10,000 plan.)

A stronger PPO network

Clearwater's 2026 MM plans have switched to the Prime Health Services Network. This changes increases the provider-count by over 200,000.

Explore the Provider Network

Low cost RX

Many MM plans now offer $0 generics and Name brands as long as they're on the formulary.

Search the Formulary

Take a look under the hood...

Let's face it, while we understand these plans quite well, it's always smart to refer to the source. Please refer to Clearwater's Summary of Benefits and plan guides for details and clarification of any information provided here.

MM 3500

Plan Overview - MM 3500

MM 5000

Plan Overview - MM 5000

MM 10,000

Plan Overview - MM 10,000

HSA 10,000

Plan Overview - HSA 10,000

How do I know this is legit?

Let's be honest, with all the spam out there, we completely understand the question... and take no offense.

The answer in this case is really simple - take a look for an email from the Chief Revenue Officer, Jack Hawthorne.

The subject line is: Clearwater, Exciting Update and Introduction:

Medicine's "Improving"... yet our health's failing - Jack Hawthorne - CRO Clearwater on Knockin Hard

Every couple days we see news stories about new "miracle" cures. Medicine to handle all your illness - extend your life well into your golden years... yet America seems to be the unhealthiest we've ever been. How does that work? Longer lifespan... less natural health. To help shed some light on the scene Forge Financial and Knockin Hard's Curtis Johnson interview the Chief Revenue Officer of Clearwater Benefits - Jack Hawthorne.

I pay so much in premiums - Why is my plan so expensive to USE?

Premiums have been going up and up... this year is the worst we've seen in a long time. But seemingly the plan isn't getting any better!?! Are there any strategies available to save me money on my health plan when I need to use it? The answer, of course, depends on your situation. Learn more in this short video.

There’s so much more to it!

Developing a successful digital product is a complex process that requires choosing the right partner, applying innovative solutions, and following reliable processes.

See our blog

See our Blog

* Disclaimer
The content on this page reflects the opinions and analysis of the authors and does not constitute professional advice. Any information presented here about Clearwater, ClearShare, or Clearwater’s “Major Medical” plans is based on publicly available information and should be used for general informational purposes only. If you are seeking accurate or up-to-date details about Clearwater’s plans, benefits, eligibility requirements, or coverage terms, please refer directly to Clearwater’s official documentation (e.g. their Summary of Benefits, plan guides, member materials) or contact them directly. We make no representations or warranties as to the completeness, accuracy, or appropriateness of the information for your particular situation. Your use of, or decisions based on this content is at your own risk.